Largest lenders in Sawyer County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Johnson Financial Group | A | 105 | 80 | 14.3% | 6.75% |
| 2 | Frandsen Bank & Trust | B | 51 | 39 | 13.7% | 6.94% |
| 3 | Superior Choice Credit Union | B | 48 | 30 | 20.8% | 5.63% |
| 4 | Royal Credit Union | B | 43 | 27 | 16.3% | 6.75% |
| 5 | Crosscountry Mortgage | B | 41 | 33 | 2.4% | 6.88% |
| 6 | Associated Bank | B | 37 | 22 | 29.7% | 7.00% |
| 7 | Chippewa Valley Bank | B | 35 | 27 | 5.7% | — |
| 8 | Rocket Mortgage | C | 26 | 19 | 15.4% | 6.88% |
| 9 | U.S. Bank | D | 20 | 11 | 25.0% | 7.38% |
| 10 | WESTCONSIN Credit Union | C | 19 | 11 | 26.3% | 7.00% |
| 11 | Mortgage Research Center | C | 18 | 7 | 27.8% | 6.38% |
| 12 | ALTRA Federal Credit Union | B | 14 | 13 | 0.0% | 6.99% |
| 13 | Pennymac Loan Services | C | 12 | 7 | 0.0% | 6.38% |
| 14 | Broker Solutions | D | 11 | 3 | 9.1% | 6.25% |
| 15 | Bankers' Bank | C | 10 | 8 | 20.0% | 6.31% |
| 16 | Summit Credit Union | A | 10 | 8 | 10.0% | 5.13% |
| 17 | Dairy State Bank | C | 10 | 8 | 20.0% | — |
| 18 | Bell Bank | A | 9 | 8 | 0.0% | 6.63% |
| 19 | Guaranteed Rate | B | 9 | 5 | 11.1% | 6.62% |
| 20 | Compeer Financial, Flca | C | 8 | 4 | 0.0% | 7.44% |
| 21 | Marine Credit Union | F | 8 | 3 | 50.0% | 7.80% |
| 22 | Coastal Community Bank | C | 8 | 2 | 0.0% | 10.87% |
| 23 | Newrez | D | 7 | 1 | 14.3% | 5.38% |
| 24 | JPMorgan Chase Bank | B | 6 | 3 | 16.7% | 6.99% |
| 25 | Citizens Community Federal | B | 6 | 5 | 16.7% | 6.38% |
Best approval odds in Sawyer County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Johnson Financial Group | 102 | 14.7% |
What Sawyer County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Sawyer County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 641 | 434 | 12.8% | 7.00% | $145,000 |
| 2024 | 717 | 472 | 16.7% | 6.99% | $155,000 |
| 2025 | 808 | 533 | 14.6% | 6.75% | $185,000 |
Frequently asked questions
14.6% of applications in Sawyer County were denied in 2025, against 14.0% statewide in Wisconsin.
Johnson Financial Group, with 105 applications in 2025 and a denial rate of 14.3%.
The median mortgage application in Sawyer County in 2025 was for $185,000; the median property value on originated loans was $355,000.